XZ Rural Commercial Bank Agricultural Loan Research On The Perfection Of Risk Prevention And Control System

In the report of the 19 th National Congress of the Communist Party of China,General Secretary Xi Jinping put forward the strategy of rural revitalization,and drew a magnificent and beautiful blueprint for the development of agriculture,countryside and farmers in China.Under the background of the new era of socialism with Chinese characteristics,the Party and the state attach more importance to financial work,and have clear requirements and expectations for the financial sector in effectively promoting the construction of a new socialist countryside.As the main financial institution serving the construction of new socialist countryside,rural commercial banks shoulder important mission and responsibility in serving agriculture,countryside and farmers and improving people's livelihood,and play an indispensable key role.However,in reality,although the loan business of rural commercial banks has developed rapidly in recent years,the risks associated with it are gradually increasing,especially the risks of agricultural loans are increasing.If we do not take effective measures in time,it will inevitably restrict the healthy development of rural commercial banks,affect the effect of supporting agriculture and promoting agriculture,and ultimately hinder the development of new socialist countryside construction.This paper takes Henan XZ Rural Commercial Bank as the research object.On the basis of theoretical research and on-the-spot investigation,it deeply analyzes the current situation and risk situation of the agricultural loan business of XZ Rural Commercial Bank.It can be seen that XZ rural commercial bank's loan amount is high,and there is a certain financial risk.There are two main reasons for this phenomenon: from the inside of the bank,including the quality of internal business personnel to be improved,risk management awareness to be strengthened,the not-in-place role of functional departments,the weak product innovation,the lack of fist-like credit products and other factors;from the outside environment,including the increasing difficulty of risk control caused by the born defect of agriculture itself,the relatively bad credit environment in rural areas,the lack of support from credit policyand other factors.On the basis of the previous analysis,aiming at the main problems existing in the operation of the risk prevention and control system,combined with the local actual situation,this paper studies and puts forward the countermeasures and suggestions of strengthening the risk prevention and control of agricultural loans for rural commercial banks in XZ: complete the structure,comb the process,establish a modern banking management system;establish and improve the risk prevention and control mechanism,and enhance the risk management capability throughout the process;strengthen the innovation of agricultural financial products services to promote the resolution of credit risks;strengthen the construction of human resources specializing in risk management to effectively stimulate the vitality of the team;increase government credit support to boost the "three rural" development;promote the construction of rural credit environment to create a good credit environment.Through this study,I hope to provide some references for XZ rural commercial banks to better play its role on agricultural loans,and to provide useful theory and practical exploration to better boost the development of rural economy,increase household income,and resolve the "three rural" issues.